Can we purchase family floater or depend on employer provided cover?

My wife and I are working in IT industry and both have health insurance coverage of Rs 3 lakh each which covers 2 child also. Currently, we don’t have any kids. My age is 30 and wife’s age is 25. Should we purchase additional health insurance ? If yes, which one should be good , individual or family floater?
and how much should be ideal coverage based on medical cost? currently, we are not diagnosed with any specific health issue.